# FIRST NB OF MANCHESTER
MANCHESTER, TN · FDIC certificate 4951 · asset band $300M-1B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $316.8M | |
| Deposits | $277.6M | |
| Loans and leases | $175.8M | |
| Total equity | $38.1M | |
| Loans / deposits | 62.47% (p14 of band) | 82.55% |
| Liquid assets / assets | 40.07% (p82 of band) | |
| Uninsured deposits / deposits | 22.28% (p46 of band) | 23.22% |
| Brokered deposits | 0.32% | |
| Wholesale funding | 0.32% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.87% (p79 of band) | 10.04% |
| Unrealized securities loss / equity | 0.90% (p24 of band) | 2.80% |
| AOCI / equity | 0.62% (p28 of band) | |
| ROA (annualized) | 1.15% (p59 of band) | 1.04% |
| Net interest margin | 3.78% (p65 of band) | 3.59% |
| Efficiency ratio | 57.61% (p27 of band) | |
| Noncurrent loans | 0.92% (p70 of band) | 0.55% |
| Net charge-offs (annualized) | 0.10% (p82 of band) | |
| Reserve coverage of noncurrent | 148.06% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 87.18% (p88 of band) | |
| Auto loans | $6.5M (3.71% of loans; DQ 3.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.5% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent, capital falling |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 0 |  | construction >100% equity |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | construction >100% equity |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4951 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "4951", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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